The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,185
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,968
−HK$796/mo
Today · 4.125%
HK$26,764
baseline
▲ 0.50% · 4.625%
HK$28,393
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,528/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,018
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,770
−HK$762/mo
Today · 4.125%
HK$29,532
baseline
▲ 0.50% · 4.625%
HK$31,089
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,064/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,222
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$955/mo
Today · 4.125%
HK$32,117
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,234/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,622
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,523
−HK$915/mo
Today · 4.125%
HK$35,438
baseline
▲ 0.50% · 4.625%
HK$37,306
+HK$1,868/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,876/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,259
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,356
−HK$1,114/mo
Today · 4.125%
HK$37,470
baseline
▲ 0.50% · 4.625%
HK$39,750
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,940/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,225
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,277
−HK$1,068/mo
Today · 4.125%
HK$41,345
baseline
▲ 0.50% · 4.625%
HK$43,524
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,690/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,333
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,743
−HK$1,433/mo
Today · 4.125%
HK$48,176
baseline
▲ 0.50% · 4.625%
HK$51,107
+HK$2,931/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,352/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,433
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,785
−HK$1,372/mo
Today · 4.125%
HK$53,157
baseline
▲ 0.50% · 4.625%
HK$55,959
+HK$2,802/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,314/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,182 · Scale 2, in force from 26 Feb 2026)